Your last chance to buy a home inside your Super
New legislation closes this strategy on 10 August 2026. You don't need to settle, just exchange contracts. Lenders are still writing these loans right now.
Contract exchange required by 10 August 2026. Settlement can occur after this date.
On 26 June 2026, the Australian parliament passed legislation banning new residential property purchases inside Self-Managed Super Funds (SMSFs). If your SMSF has a contract in place by 10 August 2026, you're grandfathered in under existing rules. That gives you roughly six weeks, and the strategy is still completely legal and lender-supported right now.
Why it works
9 reasons property in Super is a powerful strategy
For the right client, this is one of the most tax-efficient wealth-building tools available in Australia. Here's why.
Doesn't affect your personal borrowing capacity
The loan sits inside the fund, it won't show up on your personal credit profile or reduce what you can borrow in your own name for other goals.
Can be completely self-funding
Your 12% super contributions plus rental income often cover the loan repayments, rates, insurance, and maintenance, without touching your take-home pay.
Leverage multiplies your gains
A 7% gain on your super balance is one thing. A 7% gain on a leveraged property worth three times that is something else entirely. Control more, gain more.
Potentially 0% tax on rental income in pension phase
Once you transition to pension phase, income earned inside the fund, including rent, can be completely tax-free. Zero. Nothing.
Pool super balances with your partner
Combine your super with your partner's inside a single SMSF to increase your deposit and unlock significantly more buying power.
Asset protection from personal creditors
In most circumstances, property held inside a superannuation fund is protected from personal creditors and business liability, an often overlooked benefit.
Only 10% capital gains tax when you sell
Compared to up to 47% in your personal name. Hold the property for 12+ months and the tax saving on a well-performing asset can be extraordinary.
Estate planning and legacy control
You decide exactly how the asset is passed on. Greater flexibility over binding death nominations and who inherits compared to standard super.
The residential property is just the first step
Once it's grown, you can sell and step up into commercial property inside the same fund — higher yields, no lending ban, and potentially tax-free income in retirement. This window is the entry point to that whole journey.
Run your numbers
See what's possible for your situation
Enter your combined super balance and income to get a snapshot of your buying power. Results are estimates, we'll give you the full picture on a call.
SMSF Property Calculator
Includes 5% liquidity reserve & 12% SGC contributions
⚠ Calculator retains 5% of super balance as required SMSF liquidity reserve before calculating deposit available.
The process
How we get you across the line before 10 August
We've helped clients move fast. Here's exactly what happens from first call to contract.
Free strategy call
We assess your super balance, income, and goals in 30 minutes to confirm you're a good candidate and understand what's possible.
SMSF setup & pre-approval
We coordinate with your accountant or refer you to a specialist to establish the fund, then move fast on lender pre-approval.
Find a property & exchange
Once pre-approved, we work with you and your buyer's agent to identify the right property and get contracts exchanged before the deadline.
What clients say
Real families. Real results.
"From the moment I spoke to Anthony at Mas Que Finance, he was nothing but helpful in every way. It was my first time arranging a mortgage with my super and I messaged and called him all the time, he was always so helpful and willing to give advice. If I could give him 10 stars I would."
"Anthony is the most competent mortgage broker I've ever dealt with. His knowledge on releasing equity, trusts and all things investing is second to none. He took the time to listen to my individual circumstances and tailored a lending strategy to suit my specific needs. Highly recommended."
"I rarely post reviews but Anthony absolutely deserves this one. If Google let me give him 10 stars, I would! We've used Anthony a few times now, he works so quickly and you can tell he not only is very knowledgeable and efficient, he loves what he does!"
"I can't recommend Anthony and Mas Que Finance highly enough. He genuinely cares about his clients, works tirelessly to find the best possible solution, and makes you feel supported every step of the way. He made what could have been a stressful process feel completely seamless."
"Anthony has been looking after my finances for several years, very reliable and someone who thinks about what is best for you and your family, not necessarily about his own best interest. If you want someone you can trust, Anthony is your man."
"We are repeat customers with Anthony and couldn't be happier. The entire process is always smooth, stress free and well communicated from start to finish. He takes the time to explain our options, always secures a great outcome, and makes everything easy. Highly recommend!"
"Anthony is amazing! He took his time and listened, did all the paperwork extremely fast, and explained everything thoroughly. He went above and beyond for me and I will always be eternally grateful. Anthony really cares about making his clients happy. Totally recommend Mas Que Finance!"
"Easy to deal with and expert advice. The breakdown of options was exactly what we needed to make the best, informed decision for our family."
"Anthony helped us consolidate our debt and the results were genuinely life-changing, we saved $140,000 and cut six years off our loan term."
"Anthony was incredible throughout our entire mortgage process. His knowledge and guidance made what felt like a complicated process completely manageable. We couldn't have done it without him."
The long game
This isn't just a strategy for people close to retirement
The earlier you start, the more options you have. We see young couples use this exact pathway to build a retirement most people can only dream about.
Pool your super together
Two people, one SMSF. Combine balances to unlock a deposit that neither of you could access alone. Buy a small residential property while the window is still open.
The property doubles
Australian property has historically doubled roughly every 10 years. Inside your fund, that growth compounds in a low-tax environment. You're not just saving, you're building.
Sell and move into commercial
Use the proceeds as a larger deposit to acquire a commercial property inside the same fund. Commercial SMSF lending isn't affected by this legislation, and yields are typically higher.
Retire on tax-free commercial rent
Once you transition to pension phase, the rental income from that commercial property can be completely tax-free. Not a tax deduction. Not a discount. Zero.
That's the retirement most people don't know is possible.
You can't buy residential property inside an SMSF after that date. But once you're in, the entire pathway above is still available to you. The residential property is the first domino.
The window is open. But it's closing fast.
Six weeks is enough time, but only if we start now. Book a free 30-minute call and we'll tell you exactly what's possible for your situation.
Book your free strategy call →Or call us directly: 0402 318 667 | anthony@masquefinance.com.au